About the Company:Lendz, a modern mortgage lender specializing in non-QM loans, is looking for an experienced Underwriter to support our rapidly growing business.
This full-time, exempt position is offered remote or in-office.
Compensation includes a base salary between $65,000 - $80,000, dependent upon experience and location.Responsibilities:Underwrite mortgage loan applications in accordance with investor and company underwriting/selling guidelines to ensure successful salability.Improve and develop underwriting/operations processes to the benefit of the company.Subject Matter Expert on all Lendz Financial guidelines/programs.Minimum 5 touches per day as determined by volume.Maintaining the underwriting queue SLA timeframes.Maintain up to date knowledge of each series guidelines.Reviewing mortgage applications and supporting documentation to ensure completeness and accuracy.Analyzing borrower income, assets, credit history, and debt-to-income ratio to determine their ability to repay the loan.Ensuring compliance with all applicable regulations, including fair lending laws and the underwriting guidelines of the lending institution.Making loan approval or denial decisions based on the analysis of the borrower's financial profile and adherence to lending standards.Preparing written documentation and correspondence related to loan decisions and recommendations.Providing exceptional customer service to borrowers, loan officers, and other stakeholders throughout the underwriting process.Collaborate with team to develop in house program guidelines and compliance protocols.Communicate with processors to clarify details related to the loan application.Communicate with operations/sales staff and assist when needed.Maintaining current knowledge of industry trends, regulatory changes, and underwriting guidelines to ensure compliance and best practices.Qualifications:Minimum of 3 years Underwriting experience, non-QM is a plus.High School Diploma or GED required.Working knowledge of mortgage lending requirements, regulations and procedures for loans.Demonstrates good judgment and decision-making skills.Ability to meet strict deadlines and demonstrate a sense of urgency as applicable.Experience in working in a high volume, fast paced environment.Must be able to positively and proactively communicate will all parties involved in the loan process.Adaptable and resilient with excellent time management and client service skills.Apply here: https://www.ondemandassessment.com/link/index/JB-38WKV44LM?u=1173555
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